South State Correspondent

JULY 10, 2023

This article will review domestic banks’ adoption of interest rate swaps. Next week’s article will consider the challenges and possible solutions for community banks to adopt loan hedging programs. One possible solution to this dichotomy is for banks to offer interest rate swaps to hedge individual loans.

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South State Correspondent

OCTOBER 9, 2023

In two articles in the past few weeks ( here and here ), we discussed how the “higher-for-longer” interest rate environment will affect the community bank sector – continued increase in the cost of funds (COF), steady yields on loans, and a decrease in net interest margin (NIM) will put severe pressure on ROE for new loan originations.

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South State Correspondent

FEBRUARY 20, 2023

Community bankers need to understand their competitive landscape. Who the competition is, what the lending competition is offering, their delivery channels, and service levels can help community banks differentiate their services and enhance their competitive advantage.

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South State Correspondent

FEBRUARY 27, 2024

Community bankers need to practice realistic loan pricing discipline. However, we need to understand the meaning of pricing discipline and its effect on community bank performance. Market Intelligence We analyzed the last 1000 loans priced on our hedging desk, and the credit spread, and size are plotted below.

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South State Correspondent

MARCH 30, 2023

While desiring to bank everyone in your community is noble, it can be a poor use of resources. Not to say you want to ignore parts of your community, but why not focus more of your resources on those industries that will make your bank more profitable? While there are approximately 4,400 independent security firms in the U.S.,

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South State Correspondent

MARCH 13, 2023

While we will cover the general lessons HERE , in this article, we wanted to focus on the root cause – how and why interest rate risk caused the second-largest bank failure in US history (Washington Mutual was the largest in 2008). Equally important is the bank’s securities duration, as shown in the graph below.

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South State Correspondent

APRIL 1, 2023

In this article, we recap the latest data on deposits and banking in order to give you an updated picture. Bank’s Balance Sheets Interestingly, even as borrowing slowed substantially and banks required less liquidity, banks continued to offload securities. As an estimate, it looks like banks sold approximately $37B in securities.

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South State Correspondent

APRIL 23, 2023

Fair Value versus Amortized Cost The amortized cost of assets is the accounting treatment applied to securities known as held-to-maturity, or HTM. In the case of SVB, the bank’s HTM securities portfolio was $91.3Bn at the end of 2022, and the bank did not need to provide the fair value of these securities on its balance sheet.

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South State Correspondent

MAY 1, 2024

With financial hardship, competition from dominant players, and a startup budget, Gentle Monster faced many of the same challenges as a community bank. This article highlights Gentle Monster’s five-step process that might change how you look at the future. COI marketing for banks should always be a top priority.

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South State Correspondent

APRIL 30, 2022

Based on the futures market, the Federal Reserve is expected to raise the Fed Funds rate to 3.00% at its December 2022 meeting. In this article, we analyze the industry’s cost of funding earning assets (COF) and track how community banks’ COF behaves relative to larger banks. Future Short-term Rates.

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South State Correspondent

APRIL 10, 2023

While the market focuses on deposits and liquidity, media pundits and analysts are waiting for credit problems to appear. This article explores the risk and what to do about it. The risk here is that community banks continue to take on an above-average amount of CRE credit exposure. touched off a wave of bankruptcies.

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PYMNTS

JANUARY 11, 2021

Today in B2B payments, the SBA releases guidance for the next round of PPP loans, while xSuite secures Peppol invoice certification. With the new agreement, the companies will expand more in North America’s B2B market and offer new customized solutions for customers. SBA Unveils Guidance for Second Round of PPP Loans.

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Perficient

FEBRUARY 10, 2021

While the Centers for Disease Control and Prevention(CDC ) recommends healthcare consumers over 65 get vaccinated, few communications have targeted these groups or provided understanding and navigation to how to access the vaccine in their community. Create a rollout plan that considers your older patients. How are you reaching them?

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South State Correspondent

AUGUST 15, 2023

Since our last update on 2Q credit HERE , 3Q commercial loan pricing trends start with a better economic picture as higher than-planned growth and softer inflationary data have changed part of the market’s outlook. Total industry loans grew 5.1% for the year compared to last year.

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PYMNTS

OCTOBER 26, 2020

According to Arcane, much of that comes from trades done in areas with little developed financial services, including communities where migrant workers are sending funds to their families. And, because many of them are done at large discounts from market value, they could be tied to illegal activity.

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South State Correspondent

MARCH 21, 2023

The need for a known, reliable brand creates an excellent opportunity for community banks to help small business customers while building deposit balances. This article breaks down how you can use the ERC Assist product to generate deposits in an innovative way. The Opportunity The opportunity for growing deposits is substantial.

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Abrigo

MARCH 8, 2024

Would you like other articles like this in your inbox? Tightening security Preventing pig butchering schemes So, how do we, as financial institutions and concerned citizens, stop clients, businesses, friends, and family from becoming a victim? Educate yourself about imposter scams and the methods used to gain your information.

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Abrigo

JULY 13, 2023

Avoid fraud losses from pig butchering scams FinCrime professionals looking to prevent pig butchering scams in the age of cryptocurrency can follow these steps to tighten security. Would you like other articles like this in your inbox? Many victims are lonely or isolated and don’t understand cryptocurrency markets.

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South State Correspondent

JANUARY 22, 2023

In a previous article ( here ), we discussed why commercial loan prepayment protection would be a critical return on asset (ROA) driver for community banks in 2023. In this article, we will quantify the value of a prepayment provision and compare the value of a step-down to a symmetrical break-even provision.

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South State Correspondent

OCTOBER 4, 2022

The Federal Reserve Open Market Committee (FOMC) has raised short-term interest rates by 3.00% in the six months between March and September. The market is now forecasting an additional 1.25% in hikes by year’s end, with the next move coming on November 3rd. Bankers As Trusted Professionals.

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Abrigo

MAY 5, 2022

Would you like other articles like this in your inbox? Other podcasts might be internationally based and of little interest to community financial institutions or credit unions based in the U.S. or largely focused on the domestic banking market. Main Street Banking: A Podcast for Community Bankers 8. Takeaway 2 With 2.8

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NCR

DECEMBER 1, 2017

It’s an interesting time to be a community financial institution (FI) right now. For smaller community banks and credit unions in the US, it might seem like a difficult time to do business, with so much change, intensifying competition and regulatory compliance to contend with. Challenges for community financial institutions.

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Abrigo

JULY 27, 2023

Would you like other articles on fraud and AML/CFT compliance in your inbox? Using regtech in banking With new federal regulatory and compliance challenges like the CFPB rule on the horizon, more and more community financial institutions are exploring regtech in banking and finance. What is regtech? Talk to a specialist to learn more.

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Technology Fraud Compliance Regulation 195

Abrigo

JULY 27, 2023

Would you like other articles on fraud and AML/CFT compliance in your inbox? Using regtech in banking With new federal regulatory and compliance challenges like the CFPB rule on the horizon, more and more community financial institutions are exploring regtech for banks to enhance their processes. What is regtech?

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Technology Fraud Compliance Regulation 195

South State Correspondent

MARCH 15, 2023

This article highlights ten not-so-evident lessons of the banking crisis that every banker must consider going forward. Now, customers and analysts will pay more attention to Loans + Securities-to deposit ratio. Instead of just looking at LTD, investors, and depositors, will now look at loan plus securities to total deposits.

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South State Correspondent

JULY 5, 2022

In this article, we analyze why 75% LTV may not protect banks from credit risk on commercial loans and why there is only one source of loan repayment. . Loans below 1.50X starting DSCR cannot withstand the current market expected rise in interest rates if cash flow decreases by just 10%. Background.

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South State Correspondent

NOVEMBER 14, 2022

The market is now forecasting an additional 1.25% in hikes by early next year. In this article, we consider if borrowers should refinance at this point in the business cycle, and if so, what are some of the better options for borrowers and lenders. The market is generally wrong but is wildly off during inflection points.

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Analysis Guidelines Marketing Community Bank 195

Gonzobanker

SEPTEMBER 14, 2023

Heck, Apple reported in August that it secured more than $10 billion in deposits with its savings product in partnership with Goldman Sachs. According to an American Banker article (subscription required), it takes 400 years for a debit card to degrade. Develop your communities Ex. THAT IS WILD. bank’s fintech partners.

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South State Correspondent

NOVEMBER 14, 2022

The market is now forecasting an additional 1.25% in hikes by early next year. In this article, we consider if borrowers should refinance at this point in the business cycle, and if so, what are some of the better options for borrowers and lenders. The market is generally wrong but is wildly off during inflection points.

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Analysis Guidelines Marketing Community Bank 195

PYMNTS

SEPTEMBER 26, 2019

The Securities and Exchange Board of India will reportedly give non-bank financial companies (NBFCs) two years to adopt and implement changes to accounting standards, the Financial Express reported Wednesday (Sept. Impact of the financial results and implementation are just transitional in nature.”.

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South State Correspondent

FEBRUARY 23, 2022

In this article, we look at the elements of excellent bank product design and provide some hacks on how to improve your current product offerings. Safety, security & accuracy. Many of these products provide a sense of community (Facebook). The reality is that most banks only design less than half a product.

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South State Correspondent

JUNE 27, 2023

While this is mostly the domain of large banks, there are three reasons why your community bank should consider adopting this language to increase future bank performance. This article explains what ISO 20022 for banks is, how it is different, and what it can do for your bank. Now, this gets standardized under ISO 20022 (below).

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Gonzobanker

AUGUST 24, 2023

In an article titled Is the Banking Crisis Over? High interest rates have forced many banks to pay more to retain deposits (often via brokered deposits), while many institutions have seen deposits flee to higher-yielding money market funds. Rising interest rates depress the value of low-rate securities and loans. Bond losses.

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Gonzobanker

SEPTEMBER 21, 2023

NYMBUS secured Series D financing (led by Insight Partners), partnered with Hurdlr for small business banking; with Atty Bank, Saint Louis Bank ’s legal community bank; and with Roger, Citizens Bank of Edmond ’s military niche bank. Core10 secured a Series B funding round led by Patriot Financial Partners with JAM FINTOP and the ICBA.

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South State Correspondent

MARCH 7, 2024

In this article, we provide seven practical steps to prepare executives, technologists, and business line leaders for Copilot for banks and mitigate much of the risk. The bank will adopt a “security and privacy first” approach and needs to test how the various Copilots will be used securely and in a controlled manner.

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Gonzobanker

JULY 9, 2021

The fintech market is smokin’ hot right now. Now, if Square can translate streaming business into banking business, it may bode well for further inroads into affinity communities for the fintech. Payments deals continue to heat up at the intersection of companies and payroll, commerce and communities. Fintech is no different.

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Abrigo

APRIL 1, 2015

A recent Wall Street Journal article by Victoria McGrane and Jon Hilsenrath highlighted how the nation’s regulators are increasingly questioning and turning their focus toward bank boards. Lynn McKenzie and Edmund Green of KMPG recently contributed an article to Bank Director on how boards can challenge their banks’ management on risk.

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